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loans & lines

Online Small-Dollar Emergency Loan

Take care of your essential needs with no payments for the first 4 months.

We understand that the current COVID-19 outbreak has had an impact on many people. Our Online Small-Dollar Emergency Loan is designed to assist you financially to pay for those things most important to you. 

This program is subject to end without notice.

Loan Amounts: $1,000 to $3,000
Maximum loan amount is $3,000. Please do not apply for more.1

Low, fixed Interest Rate of 3.00%

Annual Percentage Rate (APR): 2.998%

Term: 40 months with no payments for the first 4 months2
Select 36 months when applying3

Loan fee is waived.

You may only receive one loan under this Online Small-Dollar Emergency Loan Program.

Loan approval is based on your creditworthiness.

Loan closings will be conducted electronically while at home with a Bank of Hawaii personal checking or savings and a valid email address. Subject to credit approval.4

Important Reminders

Maximum amount: $3,000 (please do not apply for more1)

Loan purpose: Select “Emergency Personal Loan”

Loan term: Select “36 months”3

Gross monthly income: Enter your monthly income prior to being temporarily laid off or your hours being reduced, due to COVID-19.

Bank of Hawaii personal checking or savings account number: Input your Bank of Hawaii account number in the notes section of the application. This will speed up loan funding, so you can electronically sign your loan documents and have your loan proceeds deposited directly into this account.

If none is provided, we will select any existing account you may have. If you do not have an existing account, you will need to sign your loan documents at a Bank of Hawaii branch.

Apply now


1Applications for amounts greater than the $3,000 maximum will be changed to $3,000.
240-month term and fully amortizing, with no payments due for the first 4 months followed by fixed principal and interest payments for the next 36 months. After the first 4 months, then 36 monthly estimated payments of $29.37 per $1,000.00 borrowed.
3Applications for other loan terms will be changed to 36 months.
4If you do not have a Bank of Hawaii personal checking or savings account, or reside in Saipan or Palau, you will need to sign your loan documents in a Bank of Hawaii branch near you.


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